I have a quick release seatpost mounted rack that I use for panniers. When I commute, I put it on the bike. When I'm going to for a "fun" ride, I often take it off. I can't really tell the difference between riding with it there and not there.

(So, I wouldn't work too hard to avoid the rack and panniers... ).




While it's true that I don't really have a choice and can't wear a backpack, using a rack and panniers is just so much easier.

Cheers,
Charles